Reliance Home Finance Ltd

Reliance Home Finance Limited is an India-based housing finance company. The Company is engaged in the house finance business.

Pros:
Company has reduced debt.
Stock is trading at 0.08 times its book value
Stock is providing a good dividend yield of 30.77%.
Company has good consistent profit growth of 46.26% over 5 years
Cons:
Company has low interest coverage ratio.
Promoters have pledged 30.16% of their holding

Peer Comparison Sector: Finance // Industry: Finance - Housing

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Quarterly Results Figures in Rs. Crores

Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019
Revenue 258 261 328 383 408 407 433 404 459 514 609 533
Interest 181 180 228 247 266 268 262 286 294 351 391 384
53 55 99 98 83 88 92 52 67 77 380 82
Financing Profit 24 26 1 38 59 51 79 66 98 86 -161 67
Financing Margin % 9% 10% 0% 10% 14% 13% 18% 16% 21% 17% -26% 13%
Other Income 8 9 46 9 19 17 17 7 5 2 2 4
Depreciation 0 0 6 0 0 0 6 1 1 0 1 1
Profit before tax 32 35 41 47 78 68 90 72 102 88 -160 70
Tax % 38% 34% -163% 28% 27% 41% 37% 33% 26% 38% 31% 31%
Net Profit 20 23 108 34 57 40 57 48 75 55 -110 49
EPS in Rs 2.27 0.84 1.16 1.00 1.55 1.16 -2.27 1.00
Gross NPA % 1.20% 1.10% 0.80% 0.00% 0.80% 0.80% 0.80% 0.80% 0.80% 0.90% 0.00% 0.00%
Net NPA % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 TTM
Revenue 65 324 339 361 429 512 815 1,114 1,670 2,115
Interest 0 0 233 254 277 317 536 749 1,038 1,420
57 261 67 65 86 90 142 235 326 605
Financing Profit 7 62 40 42 65 106 137 130 307 90
Financing Margin % 11% 19% 12% 12% 15% 21% 17% 12% 18% 4%
Other Income 0 0 0 0 1 0 0 15 -9 13
Depreciation 0 0 0 0 0 0 1 7 26 3
Profit before tax 7 62 40 42 66 106 137 138 272 100
Tax % 26% 34% 33% 35% 34% 35% 37% -25% 34%
Net Profit 5 41 26 27 43 69 87 173 181 68
EPS in Rs 3.72 1.44
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 3% 27%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:%
5 Years:35.84%
3 Years:48.27%
TTM:28.04%
Compounded Profit Growth
10 Years:%
5 Years:46.26%
3 Years:38.61%
TTM:-66.19%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:-92.56%
Return on Equity
10 Years:%
5 Years:14.69%
3 Years:15.57%
Last Year:12.15%

Balance Sheet Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Sep 2018
33 33 33 66 66 66 66 116 516 485
Reserves 268 310 361 355 398 468 554 983 1,413 1,395
Borrowings 1,539 2,194 1,887 1,940 2,377 3,640 6,548 9,670 13,120 6,677
18 29 294 593 904 1,398 543 607 751 7,748
Total Liabilities 1,855 2,564 2,572 2,954 3,745 5,571 7,712 11,376 15,769 16,305
1 0 0 0 0 39 44 68 230 265
CWIP 0 0 0 0 0 0 0 0 0 0
Investments 0 14 39 14 320 0 80 508 97 64
1,854 2,549 2,533 2,939 3,425 5,532 7,587 10,801 15,442 15,976
Total Assets 1,855 2,564 2,572 2,954 3,745 5,571 7,712 11,376 15,769 16,305

Cash Flows Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018
69 -2 412 -179 433 -3,296 -4,386
-53 23 -282 293 -72 -355 476
25 -0 0 0 0 3,227 3,717
Net Cash Flow 41 21 130 114 362 -425 -194

Ratios Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018
ROE % 13% 7% 7% 10% 14% 15% 22% 12%

Annual Reports

Credit Ratings